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Introducing the Visa Signature® Business Rewards Credit Card1 from BankIowa
As a business owner, you understand the importance of making every dollar count. That's where the Visa Signature® Business Rewards credit card1 comes in - a card designed to maximize your rewards effortlessly. You can use your business credit card to pay for business expenses, such as supplies and vendor payments. Our business credit card lets you separate your business expenses from your personal expenses, which can help you maintain your accounts and prepare your tax returns. Enjoy the power and convenience of a BankIowa Visa Signature® Business Rewards credit card by applying for the card today!
Earn Rewards That Work for Your Business2
Earn 2X Points per dollar on purchases in your top two spending categories each month, and 1 Point per dollar on all other purchases.
There are no limits, no categories to activate, and nothing to track.
Online reward redemption is available 24/7, 365 days a year.
Flexible Rewards That Adapt to You
- Your business expenses change month to month. This card adapts with you.
- Instead of being locked into fixed categories, your highest spending areas automatically earn the most rewards — giving you a smarter, more efficient way to earn.
The Visa Signature Business Rewards credit card1 puts you in the driver’s seat of your rewards. Each business has changes in their expenses and needs. Don’t be locked into only a couple specific categories of your current credit card. Let it change with your needs.
Exciting Introductory Offers
Let’s keep the good news rolling with this card, you’ll earn additional rewards with this introductory offer:
- 0% Introductory Purchase APR for the first 9 months,³ then a variable APR of 17.49%. This APR will vary with the market based on the Prime Rate.
- Earn 20,000 Bonus Rewards Points when you spend $2,000 within the first 90 days.4
Additional Card Benefits
- No Annual Fee
- Competitive Purchase APR
- Consolidated and Individual Billing Options
- Fraud Protection and Individual Card Limits
- Mobile Wallet Compatibility
- Contactless Payment Convenience
Simple, Secure Payments
Tap and go with your contactless Visa Signature® Business Rewards card for fast, secure transactions.
Use your card with mobile wallets for added flexibility and convenience.
Contactless Card
Look, tap, and go with your Visa Signature® Business Rewards contactless credit card.
Mobile Wallets
This card is equipped to handle all your mobile wallets.
Apply today!
If you are an existing Business credit card account holder and would like to be considered for this new product, please complete a Product Change Request Form1 or visit a BankIowa Banking Center.
Disclosures
Credit cards are issued by UMB Bank, n.a. under a license from Visa USA, Inc.
1. Subject to credit approval. Rates and fees subject to change.
2. The Program Member's Control Account or the Cardholders account (if cards are billed to an individual Cardholder) earn two (2) Points for each dollar on Net Purchases that fall within the top two (2) merchant category codes (MCCs) for that month, based on the total dollar volume of Net Purchases in each category. We will use the MCCs assigned by the Card Network to identify your Net Purchases that qualify for accelerated Points earning. Certain conditions, restrictions, and exclusions apply. See the Visa Signature Business Rewards Program Rules for complete details about the rewards program.
3. APR for Purchases: 0.00% introductory APR for nine months. After that, your Purchase APR will be based on the Prime Rate in effect as of February 1, 2026.
Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Annual Fee: None. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: 2% of the U.S. dollar amount of each Cash Advance or Purchase. Late Payment Fee: Up to $38. Over Limit Fee: None. Returned Payment Fee: $35 if a check or ACH payment on your account is returned for insufficient funds. Issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. See the Interest Rate and Charges section of the Application for more information.
4. Within 90 days of opening your new Visa Signature Business credit card account, approved applicants must use their card(s) to make $2,000 in Net Purchases to receive 20,000 bonus points. Bonus point eligibility will be determined by combining Sub Account Net Purchases to the Program Member's Control Account, or by an individual Cardholder's Net Purchases if the individual Cardholder receives a bill. Bonus Points will be applied to your account within 45 days of meeting the spend requirement. The following transactions are excluded from "Purchases" and do not earn rewards points: cash advances, returns, finance charges and credit card interest or fees.
*The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
For more information, please contact UMB at 800-749-7113 or reach out to Card Services at 1-888-494-5141.
We retain the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see our Important Cost Information about our Credit Card disclosure, which is provided with our credit card application. Information about the costs of credit cards is accurate as of February 1, 2026. This information may have changed after that date. To find out what may have changed, call us at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.
